Best and cheapest home insurance in Idaho for 2024

Average home insurance cost in Idaho

The average cost of homeowners insurance in Idaho is $1,961 a year or $163 a month. This is based on coverage of:

$300,000 dwelling
$300,000 liability
$1,000 deductible.

However, the average annual premium varies by the insurance company, your ZIP code, coverage type, your home's age, among other factors. It’s a good idea to compare price quotes from different Idaho homeowners insurance companies to get the best deal.

Best home insurance companies in Idaho

The best home insurance company in Idaho is State Farm, followed by American Family and Nationwide.

Below is a full list of the top Idaho insurance companies based on price, NAIC complaints, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.

Best home insurance companies in Alaska

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Best home insurance companies in Idaho
Company	AM Best	NAIC complaint ratio	Insurance.com score	Average annual rate
State Farm	A++	0.83	4.39	$2,226
American Family	A	0.8	4.02	$1,398
Nationwide	A+	1.05	3.92	$1,328
Farmers	A	0.67	3.7	$1,820
Allstate	A+	1.46	3.22	$1,766

Data updated in 2024

Cheapest home insurance companies in Idaho

Below are Idaho home insurance rates by company for six different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our rate analysis, you’ll see Nationwide has the most affordable rates in every category overall.

Cheapest home insurance rates in Idaho by coverage level
Company	$200,000	$300,000	$400,000	$600,000	$1,000,000
Nationwide	$983	$1,328	$1,680	$2,429	$3,771
American Family	$1,025	$1,398	$1,790	$2,622	$4,357
Allstate	$1,436	$1,766	$2,238	$3,233	$5,294
Farmers	$1,302	$1,820	$2,411	$3,669	$6,184
USAA*	$1,625	$2,085	$2,468	$3,136	$4,372
State Farm	$1,781	$2,226	$2,660	$3,618	$5,346
Farm Bureau	$2,088	$3,017	$3,919	$5,671	$9,049

Data updated in 2024

*USAA is only available to military members and their families

Idaho home insurance rates by ZIP code

Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Idaho to see which areas are the most and least expensive.

Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.

Home insurance calculator

Average home insurance rates in Texas

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

ZIP code	City	Highest rate
77550	Galveston	$10,164
77586	El Lago	$9,906
77551	Galveston	$9,536
77554	Galveston	$9,358

Least expensive

ZIP code	City	Lowest rate
78559	Iglesia Antigua	$1,956
78593	Santa Rosa	$1,999
79915	El Paso	$2,008
79905	El Paso	$2,009

Data updated in 2024

Read our methodology

The Idaho Department of Insurance says...

Most insurance companies provide a copy of their rate filings to the Idaho Department of Insurance. Although rates are reviewed by the department, the department does not approve homeowners policy rates. However, the department does have the authority to disapprove rates that are found to be excessive, inadequate, or unfairly discriminatory.

- The Idaho Department of Insurance